Ideal Leverage % Based on Age on Interactive Brokers

Hey everyone, I just read a book called lifecycle investing, which basically states that you should leverage more while you’re young and have less stock exposure when older. Essentially, you’re diversifying over time for the same returns.

Given this fact, what do you think is a good % to leverage for a 25 year old?

I’m considering 20% for VTI, as I’ll only be margin called if VTI drops to 0.2/((1-0.25) * 0.75), where 0.25 is the maintenance and 0.75 is the percent of my stock can serve as collateral is ~35.5%. I don’t think the market has ever drawn down 64.5% and don’t expect it to given that the Fed has learned from past mistakes (Depression, dot com boom, and recession).

The margin rate is 1.58% currently and don’t anticipate it going above 3% over the next couple of years.